It is interesting to see this development, and I am curious as to how this will work when other issuers come out with their own wallet. For instance, if I have a MasterCard from Citi and BOA (or anyone else), which Username/Password combination do I use - the one for my Citi/issuer bank's account, or the one for MasterPass? If it is for MasterPass, what role does the Citi wallet play here? If it is for the issuer, do I have to remember the Username/Password combinations of all the banks I have a relationship/card with? I may be biased, but using PayPal does seem a lot simpler. You can put all your information in one place and it works great! By the way, you can just use PayPal Credit and not worry about any of your cards either.